Credit Reporting Agency (CRA) - Remove Inquiry Letter

Use this letter when you discover unauthorized *Hard Inquiries* on your credit reports!

You’ve asked the creditors or other companies responsible to cease checking your reports and to remove their illegal inquiries, but so far, they’ve ignored your requests.

If after you’ve asked creditors or other organizations to cease performing “illegal hard inquiries” into your credit profiles, but they continue doing so, consider sending a letter similar to the one below to the credit reporting agencies to have them remove the unauthorized inquiries. (See more on unauthorized inquiries)

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you’d like an electronic copy of any letter, submit the FREE Request Form 

or Get all letters in one convenient package

Free Sample Letter Get Unauthorized Credit Inquiries Removed

Today’s Date

Your Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name}
{add CRA address here}

Dear {credit reporting agency}

This letter is a formal request to remove unauthorized inquiries from my credit report.  I’ve enclosed a copy of the credit report that your organization provided me with the {insert date of report}.  I’ve listed the unauthorized inquiries below and also circled them in red on the enclosed report

Line Item {insert number}:

Creditor: {insert name of the creditor(s) making the inquiry}

Please note that before making this request, I sent letters to the organizations responsible for these inquires, asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity.  Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond; therefore, I ask for your assistance in resolving this matter.

Per the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below.  Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

Thank you for your cooperation. If there are questions regarding this matter, you can reach me at (insert phone number and area code).

Sincerely,  

 

Signature
Printed Name

Credit Inquiry Removal Addresses

Experian:
National Consumer Assistance Center
PO Box 2002 Allen, TX 75013

TransUnion: (Eastern United States)
TransUnion
P.O. Box 2000
Chester, PA 19022

TransUnion: (Western United States)
P.O. Box 34012
Fullerton, CA 92831

TransUnion: (Puerto Rico)
TransUnion
Puerto Rico Consumer Relations
P.O. Box 13968
Santurce Station San Juan, PR00907-3968